Our Beliefs

Our beliefs at a glance

We are experienced financial technologists who believe strongly in the power of technology to create customized, inclusive and equitable financial and insurance outcomes for a billion customers in emerging Asia who are only now becoming banked and insured.

We are the largest digital credit risk scoring, finance, insurance and investment platform in Indonesia and the Philippines. We have served over 50 million customers across these two markets since late 2013, when we were founded

We invented and pioneered the digital sales channel for Indonesian and Philippine financial and insurance institutions; delivering high quality, low cost, high volume distribution solutions that now account for more than 20% of many of our partners’ total sales

We also pioneered the ‘underwriting marketplace’ concept, where credit risk scoring and decision engines are embedded directly into the financial e-commerce experience, such that a customer can receive a principal in-application approval with a risk-adjusted price.

Our goal over time is to help millions of customers manage their credit and price and persistency such that we can walk down the interest rates over time. This will dramatically reduce financial institutions’ costs of underwriting and spread credit responsibly and equitably in society.

We are committed to financial inclusion, financial transparency, and financial literacy. We believe access to simple financial services, in a convenient and simple way, is the backbone of an equitable and fair economy